CIF - Customer Information File


  • Whenever a customer walks into PO for any transaction, inquire the customer whether they are already having any account at PO. If so, collect the details. 
  •  Invoke CDEDUP menu, enter the name of the customer.
  • FINACLE will list out all the CIFs of this customer.
  • Then modify this CIF by using CMRC menu ( to enter the correct gender, address, date of birth, PAN number, etc)
  • Invoke menu CNAC, enter the old account number to get the new account number 
  • Invoke HCCA to merge all the accounts to this modified CIF
  • Invoke HCRV to identify all accounts under this CIF




Creation of CIF:

Sl. No
MENU NAME
    WORK DESCRIPTION
REMARKS
1
CCRC
To create CIF
for the customer by the Counter PA
Ø  Enter all the mandatory
details and submit.
Ø  Note down the CIF id
2
CCRC
Verification
of  CIF by the Supervisor
Ø  Enter the CIF no. or search
the CIF no. from the searcher, to be verified.
Ø  Submit

Modification of CIF:

Sl. No
MENU NAME
    WORK DESCRIPTION
REMARKS
1
CMRC
To modify CIF
by the Counter PA
Ø  Enter CIF no. to be modified.
Ø  Enter the modifications and
submit.

2
CMRC
Verification
of  CIF by the Supervisor
Ø  Enter the CIF no. or search
the CIF no. from the searcher, to be verified.
Ø  Submit

Suspension of CIF ( in case of death of the customer or for any other valid reason):

Sl. No
MENU NAME
    WORK DESCRIPTION
REMARKS
1
CMRC
To suspend CIF
by PA (in case of death of the customer/ receipt of Court orders, etc.)
Ø  Enter CIF no. to be suspended.
Ø  Enter the status of the
customer as Deceased
Ø  Enter the date of death and
submit.

2
CMRC
Verification
of  suspension of CIF by the Supervisor
Ø  Enter the CIF no. or search
the CIF no. from the searcher, to be verified.
Ø  Submit

Merger of CIF:

Sl. No
MENU NAME
    WORK DESCRIPTION
REMARKS
1
HCCA
  • If a single customer has multiple CIFs, they can be merged. 
  • In case of death of a joint holder, his CIF can be detached. 
  • In case of conversion of Joint accounts into single, the main holder’s CIF can be detached.

  • Enter account number . 
  • Old CIF will be displayed. 
  • Enter the CIF id that has to be attached. 
  • Select Account Name modification as Yes, so that the account holder name will be changed in case of joint accounts. 
  • Submit.

2
HCCA
Verification of suspension of CIF by the Supervisor
  • Enter the CIF no. or search the CIF no. from the searcher, to be verified. 
  • Submit